Pharming scams use e-mail solicitations to lure victims to a bogus site. When you click on the link provided in the e-mail, malicious software is installed to re-direct the user to a fraudulent site where personal information can be requested by the scammer. To verify you are visiting a valid website, check for a certificate from a service like VeriSign®. You can locate this information by clicking on the padlock icon that appears in the URL address to view the sites security certificate. Be sure to verify the name on the certificate matches the name on the site.
Be sure to run anti-virus and anti-spyware software and update your computer with the latest security patches and firewalls.
You can find more detailed information regarding Financial Security and Fraud: